Mutual of Omaha Life Insurance Rates: Sample Monthly Costs by Age, Gender & Coverage Amount
If you are shopping Mutual of Omaha life insurance, the first thing you usually want to know is simple: what does it cost per month?
This page gives you a practical look at Mutual of Omaha rates, especially for the company’s most common final expense and Living Promise-style whole life coverage.
These numbers are best used as sample planning rates, not guaranteed quotes. Your actual premium can still vary based on age, sex, tobacco use, benefit type, and state.
Mutual of Omaha rates are usually most competitive when you are shopping for smaller permanent final expense coverage, not when you are shopping for the cheapest large term policy possible.
- Strong fit for burial and final-bill shoppers
- Good fit for ages 45–85
- Best used as a compare-and-quote carrier
- Sample rates help, but real quotes still matter
Scott Benton (a.k.a. Coach B.)
Author: Scott Benton, Licensed Life Insurance Agent
Experience: Serving families since 1992
Disclosure: Coach B. Insurance may be compensated if you purchase through our agency. Recommendations are based on product fit, underwriting, clarity, and usefulness — not pressure.
Editorial note: Rates, product details, state availability, underwriting, benefit type, and pricing can vary by age, gender, tobacco status, state, and policy design.
What These Mutual of Omaha Life Insurance Rates Actually Represent
For most buyers landing on this page, the real product being compared is Mutual of Omaha’s smaller whole life / final expense coverage, especially Living Promise-style coverage built for burial costs, funeral bills, and modest permanent protection.
This is not the right page for large income-replacement term life shopping. It is the right page for buyers who want to understand what a small permanent policy may cost by age and gender.
If your goal is burial insurance or final expense, this is where Mutual of Omaha becomes much more relevant.
Sample Mutual of Omaha Monthly Rates
Use this sample rate table as a quick comparison tool. These are sample monthly rates for the level benefit version.
How to Read the Rate Chart the Right Way
Age matters a lot
Rates rise noticeably as issue age increases, especially in the 70s and 80s.
Gender matters too
Female rates are usually lower than male rates at the same age and face amount.
Coverage amount changes the price fast
Moving from $10,000 to $20,000 can raise the monthly premium much more than buyers expect.
These are samples, not promises
State rules, tobacco, benefit type, and plan version can still change the real number.
What Mutual of Omaha Publicly Positions on This Product
Issue ages
Ages 45–85 in most states, with New York rules narrower.
Coverage range
Public consumer coverage is typically shown from $2,000 to $25,000.
No exam
The policy is publicly marketed as no medical exam whole life.
Premium pattern
Premiums are positioned as guaranteed not to increase.
Who These Rates Usually Fit Best
Usually a strong fit if you want:
- burial or funeral coverage
- a small permanent whole life policy
- coverage without a medical exam
- a recognizable carrier name
- rates for ages 45–85
Usually a weaker fit if you want:
- a large term policy for income replacement
- the cheapest big death benefit possible
- coverage far above burial-level face amounts
- a shopping strategy based only on brand familiarity
What Can Make Your Real Mutual of Omaha Rate Different?
State
Availability and details can vary by state.
Tobacco use
Tobacco can materially affect monthly pricing.
Benefit type
Level vs. graded benefit can change the premium and fit.
Coverage amount
The face amount is one of the fastest price movers.
Channel
Public consumer materials and agent-issued designs can differ.
The Smart Way to Use These Rates
Use the chart to understand where Mutual of Omaha roughly sits.
Then compare it against at least two or three other final expense carriers before deciding. That is how you find out whether the brand name, pricing, and approval style really line up for your case.
Helpful Related Pages
Mutual of Omaha Review
Best next page if you want the broader company review before focusing only on price.
Read Company Review →Final Expense Review
Best next page if you want the carrier-fit analysis behind these sample rate numbers.
Read Final Expense Review →Living Promise Review
Best next page if you want the product-level review tied to the sample rates shown here.
Read Living Promise Review →Company Reviews Hub
Best next page if you want to compare Mutual of Omaha against other carriers instead of staying inside one brand.
View Company Reviews →Frequently Asked Questions
How much is Mutual of Omaha life insurance per month?
It depends on age, gender, coverage amount, state, tobacco status, and policy design. For final expense-style coverage, small permanent policy rates are the most common comparison point.
What ages can buy Mutual of Omaha final expense coverage?
The public consumer whole-life offer is generally positioned for ages 45 to 85 in most states.
Does Mutual of Omaha require a medical exam for this kind of coverage?
Its public whole-life/final-expense offer is marketed as no medical exam coverage.
Are these guaranteed quotes?
No. They are sample rates meant to help you estimate where Mutual of Omaha may land before you request real quotes.
Should I buy Mutual of Omaha just because the sample chart looks good?
No. Use the chart as a guide, then compare it against other final expense carriers before deciding.
